Issuance in seconds
Cards are created via API and usable immediately — perfect for onboarding flows that end with a live card.
Virtual Cards
Virtual Card Issuing
No scheme membership. One API. Launched under your brand.
Create cards in seconds, not weeks. Virtual cards give your customers instant, controllable spending credentials for online payments, subscriptions, travel bookings and supplier payouts.
Launch checklist
- Create the cardholder
- Issue via API
- Deliver in your app
- Track every event
- PCI DSS Level 1 systems
- Visa & Mastercard programs
- 150+ countries
- 35+ currencies
The problem
Launching payments usually means building a bank first.
The product is rarely the hard part. The dependencies are: scheme membership, a sponsor bank, a certified PCI environment and a stack of vendors, each with its own queue.
Scheme membership is a project in itself.
Going to Visa or Mastercard directly means capital requirements, audits and a sponsor bank before a single card ships.
Compliance becomes a second product.
PCI DSS, KYC, AML monitoring and disputes each need their own people, vendors and audit cycles.
Every vendor is another integration.
Processor, ledger, KYC and payout providers each bring their own API, contract and failure modes.
Run it yourself
One program, two ways to launch it.
Launch virtual cards under your brand Ready
Building it with a bankIdle: press Launch the program
- Apply for card scheme membership
- Negotiate a sponsor bank and BIN
- Build and certify a PCI DSS environment
- Integrate processor, KYC and ledger vendors
- Wait for scheme certification
Every dependency sits in another team's queue, and you still own the audits.
Launching it on NetPayIdle: press Launch the program
- Create the cardholder
- Issue via API
- Deliver in your app
- Track every event
Same program. One partner, one API and one contract.
Capabilities
Instant cards with precise control
Everything here runs on the same NetPay rails, API and dashboard.
Single-use & merchant-locked
Restrict a card to one transaction, one merchant or one category to eliminate misuse of stored credentials.
Wallet provisioning
Virtual cards extend to contactless in-store spending through mobile wallet provisioning.
Per-card budgets
Attach limits and expiry per card — a subscription card, a campaign budget, a per-trip travel card.
Tokenized security
Credentials are tokenized on PCI DSS Level 1 infrastructure, reducing exposure of primary account numbers.
Real-time visibility
Every authorization streams to your systems instantly, so spend is visible the moment it happens.
How it works
How virtual card issuance works
A guided path. We carry the regulated heavy lifting so your team ships the product.
Create the cardholder
Register the person or business entity that will own the card.
Issue via API
One call returns live card credentials with your chosen controls attached.
Deliver in your app
Display the card in your product; add it to mobile wallets if enabled.
Track every event
Webhooks push authorizations and settlements into your ledger in real time.
Who it's for
Built for teams that move money.
- Expense management platforms
- Travel & OTA businesses
- Media buying & ad-spend teams
- Marketplaces paying suppliers
- Subscription managers
- Fintech apps
How we compare
How NetPay compares.
Every option gets you to a live program eventually. The rows show what each one asks of your team.
| Capability | NetPay | Build in-house | Legacy processor |
|---|---|---|---|
| Card scheme membership | Not needed, we sponsor | Required | Usually required |
| PCI DSS scope | On our Level 1 systems | Yours to certify | Shared with you |
| Cards, IBANs and payouts | One platform | Separate vendors | Cards only |
| Integration | One REST API and webhooks | Several vendor APIs | Batch files, legacy APIs |
| Sandbox before launch | Full sandbox | Build your own | Limited |
| Your brand | Every card, app and statement | Yes | Often co-branded |
How fast can a virtual card be issued?
Virtual cards are generated in seconds through the API and are immediately usable for online transactions once issued.
Can virtual cards be used in physical stores?
Yes, when provisioned to a mobile wallet a virtual card supports contactless in-store payments wherever the network is accepted.
Can I restrict where a virtual card can be spent?
Yes. Cards can be limited by amount, merchant, merchant category, country and channel, and can be frozen or terminated instantly via API.
Are virtual cards branded?
Yes — like every NetPay program, virtual cards are issued under your brand as part of a white label program.
Launch virtual cards under your brand.
Tell us what you're building and we'll scope the right program and rails with you.